Erie, PA · Charter 6081
Q1 2004
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q1 2003 | Q2 2003 | Q3 2003 | Q4 2003 | Q1 2004 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.22% | -0.36% | -0.41% | -0.50% | 0.55% | +77 bps | |
| Return on Equity | -1.91% | -3.19% | -3.82% | -4.71% | 5.20% | +711 bps | |
| Net Interest Margin | 3.88% | 3.80% | 3.70% | 3.58% | 3.10% | -78 bps | |
| Efficiency Ratio | 86.58% | 89.63% | 86.44% | 90.93% | 85.33% | -125 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.94% | -1.55% | 5.36% | 8.28% | 5.35% | +40 bps | |
| Loan Growth (YoY) | -10.85% | -12.21% | -13.20% | -13.24% | -19.27% | -843 bps | |
| Share Growth (YoY) | 6.95% | -0.59% | 7.47% | 10.06% | 6.44% | -51 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.67% | 1.50% | 1.38% | 2.59% | 2.42% | -25 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.59% | 0.99% | 1.41% | 1.35% | 1.37% | -21 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.53% | 11.20% | 10.82% | 10.65% | 10.64% | -89 bps | |
| Net Worth / Assets | 11.53% | 11.20% | 10.82% | 10.65% | 10.64% | -89 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 63.81% | 60.69% | 55.67% | 53.22% | 48.39% | -1,542 bps | |
| Liquid Assets / Assets | 31.18% | 38.40% | 40.55% | 45.26% | 51.67% | +2,050 bps | |